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Obligation is a strong word, but I think I’d consider myself a failure if I didn’t leave an inheritance for my heirs. “A good man leaves an inheritance to his childrens’ children.” Proverbs 13:22
I feel my primary obligation is to have all my affairs in order and that I leave a sufficient inheritance for my husband to continue to live comfortably.
At a bare minimum, I think everybody should ensure their financial affairs are reasonably well-organized, and that they have a will and the right beneficiaries listed on retirement accounts and life insurance. We can’t all afford to leave heaps of money to our family. But we should make sure we don’t bequeath a mess that’ll make their lives miserable.
I see an obligation to children as important provided parents do not deprive themselves in retirement.